Despite breakthroughs in technology like AI and blockchain, billions remain excluded from financial services, lacking access to savings, credit, and informal transfer methods. This 'missing middle'—or 'global majority'—needs better opportunities.
We have served over 10 million people from this often-overlooked global population and have witnessed their struggles firsthand. It shows the pressing need for innovative financial solutions tailored to their unique needs.
The current credit system, developed nearly fifty years ago, fails billions worldwide. Reimagining this system could offer unsecured credit products that increase access and foster modern underwriting models essential for today's economy.
While fintech innovations like buy-now-pay-later are emerging, significant progress must occur to reshape credit access for people in underrepresented markets. 2025 holds potential for transformative changes in this space.
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